Use our free PPI tool or template letter

If your provider isn’t listed in the tool below, or if you would prefer to tailor a letter yourself, you can use our PPI template letter.

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If you can’t remember who your lender was, check your credit file, which you can do free of charge.

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[Your Name & address]

[Name and address of PPI provider]

FAO: Complaints Manager

Dear Sir/Madam,

Re: [insert credit reference number and the PPI policy number]

I purchased the above policy from you on [date] in connection with the [mortgage/loan/credit card/store card/finance agreement] referenced above.

I believe I was mis-sold this policy for the reasons given below and wish you to investigate my complaint according to your normal complaint procedures.

[insert one or more of the following bullet points – whichever points refer to you. Delete any which are not relevant]

  • I was not told that the insurance was optional.
  • I was led to believe my application for credit would be rejected if I did not take out the insurance.
  • The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.
  • I now believe the insurance was unsuitable for me as I was suffering from [insert name of any medical condition you had] at the time I took out the policy and was not made aware of the specific exclusion which relates to pre-existing medical conditions.
  • I now believe the insurance was unsuitable for me as I was [self employed / unemployed / in temporary employment / on a fixed-term contract/retired] at the time I took out the policy and was not made aware of the specific exclusions relating to unemployment cover.
  • The policy was unsuitable for me as I was over the maximum age of [insert maximum age].
  • It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest.
  • The insurance [has expired / will expire] before my loan/credit agreement ends, which means I [am paying / will be paying] interest on a policy that is no longer in force. This was not made clear to me at the time the policy was sold to me.

If my complaint is upheld, I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. 

I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.

Please now investigate my complaint within the eight weeks allowed to you.

Yours faithfully,

Download Letter

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